Summer Specials for Landbay's Landlords: Bigger Savings, More Flexibility
For the first time, Landbay can now accept deposits funded by Intercompany Loans (previously not eligible). This opens up new flexibility for portfolio structuring and financing.
Their new products come with NO booking fees, plus two remortgage deals with FREE valuations.
If you’re investing through an SPV, this is a fantastic opportunity to access significantly reduced rates compared to Landbays standard and limited-edition products. Just keep in mind that there are some additional criteria you’ll need to meet (outlined below).
This range is designed to support both first-time landlords and those with small to medium-sized portfolios (up to 15 properties).
The products offer competitive rates, straightforward deposit rules, and simple ownership structures.
Here’s where they really shine:
Day 1 remortgages available at the new market value
Market rent used for affordability, even if passing rent is lower
Flats above/next to commercial properties considered (up to 75% LTV)
No minimum income requirement for experienced landlords
Large legal panel with ~100 firms for dual representation
Ex-council, deck access, high-rise, and new-build flats/houses acceptable at 75% LTV
Capital raising for any legal purpose (except tax bills)
No credit scoring
Adjoining properties and freehold/leasehold ownership in the same block accepted
Existing Landbay clients can waive ILA, cutting costs further
Key Product Criteria
To qualify, here’s what you need to know:
SPV applications only (not personal/LLP)
Deposits must originate in the UK
Max background portfolio LTV: 75%
No layered limited companies
Excludes HMOs and MUFBs
Portfolio limit: 15 BTL properties
Max exposure: £5M (refer if over £2M)
Applicants must own 75%+ of company shares (voting shares)
Shareholders under 25% must be immediate family members of directors
Maximum age at end of term: 85
The Bottom Line
These new deals are designed with landlords in mind—helping you grow your portfolio with lower costs, fewer restrictions, and greater flexibility.
If you’re looking to refinance, remortgage, or purchase through an SPV, this could be the perfect time to take advantage. Contact us for more information
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